Chase
Cards
Rates, fees, 0% offers and rewards for the credit cards people actually carry, with how to pay and contact each issuer. Free to use, no sign-up needed. We are not paid by any card issuer.
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Chase
Capital One
Capital One Platinum
2.5 A no-fee starter card for fair credit, with automatic reviews for a higher credit line. 28.99% APR $0 annual fee
Capital One
Capital One Platinum Secured
2.5 A secured card with a low refundable deposit (from $49) and no annual fee, for rebuilding credit. 28.99% APR $0 annual fee
American Express
The Platinum Card from American Express
2.5 A luxury travel card with lounge access and a long list of credits, for frequent travelers who will use them. Charge card $895 annual fee
Capital One
Capital One QuicksilverOne
2.5 1.5% cash back for people with fair credit, with automatic reviews for a higher limit. 28.99% APR $39 annual fee
Avant
Avant Credit Card
2.5 An unsecured card for fair or limited credit, with a quick pre-qualification check. 29.99%–35.99% APR $0 annual fee
American Express
Delta SkyMiles Reserve American Express Card
2.5 Premium Delta card with Sky Club access and a yearly companion certificate for frequent Delta flyers. 19.74%–28.74% APR $650 annual fee-
Self
Self Visa Credit Card
2.5 A credit-building card you unlock by saving through a Self Credit Builder Account, with no hard credit check. 27.49% APR $25 annual fee 
OpenSky
OpenSky Secured Visa
2.5 A secured card with no credit check to apply, for building credit from scratch. 21.14% APR $35 annual fee
Credit One Bank
Credit One Bank Platinum Visa
2.0 An unsecured card for rebuilding credit, though its fees are higher than many alternatives. 25.49%–29.74% APR $75 annual fee-
Merrick Bank
Merrick Bank Mastercard (Double Your Line)
2.0 A credit-building card whose limit can double after on-time payments. $72 annual fee 
Credit One Bank
Credit One Bank Platinum X5 Visa Signature
1.5 5% cash back in everyday categories for people with fair credit. 28.74% APR $120 annual fee-
Milestone
Milestone Mastercard
1.0 An unsecured card for poor credit. It works, but it's one of the most expensive ways to build credit. 35.9% APR $175 annual fee -
Destiny
Destiny Mastercard
1.0 An unsecured card for poor credit, with high fees on some offers. 35.9% APR $175 annual fee -
Indigo
Indigo Mastercard
1.0 An unsecured card for poor credit, with high fees on some offers. 35.9% APR $175 annual fee
How we rate cards
Every card is scored the same way against other cards in its category, from 1 to 5 stars in half steps. We use four measures, weighted by what matters most for that kind of card:
- 0% intro period: longer is better; 21 months scores full marks. Near-0% offers (under 2%, as some credit unions offer) count too.
- Regular APR: the lowest advertised rate; 14% scores full marks, 30% scores zero. Charge cards with no APR score in the middle; store cards whose APR we couldn’t confirm score zero, since store card rates are almost always 30% or more.
- Annual fee: $0 scores full marks; for travel cards, fees are judged against $1,000.
- Rewards: the rate on everyday spending (2% is full marks) and the best bonus category (6% is full marks). Points and miles are counted at typical values: about 1¢ for most bank points and airline miles, 0.5–0.7¢ for Hilton, IHG and Marriott points, and about 1.5¢ for Hyatt points. Store discounts count only at that store.
For balance transfer cards, the intro period counts most. For cash back, travel and business cards, rewards count most. For credit-building cards, low fees count most. Cards closed to new applicants aren’t rated. The rating is a quick comparison, not advice: the best card for you depends on your balance, credit and spending.